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What Does Snowmobile Insurance Cover in California? 

What if you could make your next winter adventure “cooler” than ever before? 

For California residents, there’s nothing quite as awesome as taking a snowmobile out for an unforgettable adventure. To ensure your adventures last as long as possible, however, it’s important to get the right snowmobile insurance

You might hesitate to get such coverage because you have questions ranging from “What does snowmobile insurance cover?” to the most essential question of all: “Do I really need another insurance policy?” This guide will answer those questions and ensure your next outdoor adventure is fully protected! 

What Is Snowmobile Insurance? 

Snowmobile insurance functions very much like your automobile insurance. Typically, a policy will provide liability coverage that helps pay for damage you might accidentally cause to people or property and collision coverage that will pay for damage to the vehicle itself after a crash. The policy also provides comprehensive coverage that applies to scenarios where you aren’t behind the wheel, effectively protecting your ride from theft or even damage from local animals or falling trees. 

As with automobile policies, it’s possible to add additional insurance riders that cover other scenarios. For example, you can add protection for uninsured riders, medical payments protection, and protection for your snowmobile accessories. Between these additional riders and the ability to tweak the limits of different kinds of coverage, it’s possible to completely customize a policy to suit your needs. 

Keeping Your Adventure Covered 

California requires that all drivers maintain a minimum level of liability coverage for their cars. That leads to a natural question: Are you legally required to have snowmobile insurance in California? 

In short, the answer is both “yes” and “no.” If you are driving your snowmobile on public roads or public lands in California, then you are legally required to have liability coverage for $15,000/$30,000 (bodily injury) and $5,000 (property damage). If you are sticking only to private roads and lands, however, such coverage is legally optional. 

With that being said, it’s highly recommended that you purchase a policy for your ride. Not only is such a policy highly affordable (more on this soon), but liability protection can keep a single accident from leading to nasty legal fees (plus, it may be required by your lender if you financed the vehicle). Remember, even successfully defending yourself in court could potentially bankrupt you. 

Should I Cancel My Snowmobile Insurance After the Winter? 

California is such a sunny place that those who enjoy riding snowmobiles have to get their holly jollies only during the wintertime. This begs the question: Should you go ahead and cancel the policy after winter to not pay your premium during the summer months? 

Surprisingly, the answer to this is “no.” If you constantly cancel and renew policies like this, you may find that your insurance carrier will dramatically increase the cost of your premium from season to season. In some cases, the carrier may even refuse coverage altogether after you cancel enough times. In most instances, you are better off getting a good price on a policy from a reputable carrier and maintaining that policy year-round. 

Two snowmobiles from behind driving along a snowy path - cheap snowmobile insurance in California.

How to Find Affordable Snowmobile Insurance in California 

If you’re on the fence about purchasing snowmobile insurance, here’s some good news: It’s very affordable. In fact, the average cost is only $15 per month, and it’s possible to find policies as low as $10 a month. However, if you want to get the lowest premiums for the best protection, it’s important to shop around with different carriers. 

Again, it is helpful to compare these policies to automobile policies you have purchased in the past. If you simply take the first quote you are offered, you may never know whether or not you are getting a good deal or getting completely ripped off. If you get several quotes from reliable carriers in California, you can maximize your chances of getting awesome protection that won’t break the bank when it comes to your monthly premiums. 

Understanding the Factors That Influence Snowmobile Insurance Cost 

While snowmobile insurance is very affordable, different people may find themselves paying different premiums based on a number of factors. Understanding what these factors are can ultimately help you get the best possible price and potentially save hundreds or even thousands of dollars over time. 

The most obvious factor influencing the cost of the policy is the make, model, and year of the vehicle in question. As you might expect, newer rides are more expensive to insure than older ones. Your age and driving record are also factors. In short, those who are dangerous behind the wheel of a car (statistically, this tends to be younger drivers) may be dangerous driving other vehicles, and premiums reflect this. Finally, whether you will typically have passengers or not may influence how much you pay each month. 

Get Affordable Snowmobile Insurance in California Today! 

Now you know what snowmobile insurance actually covers and why it’s so important for protecting you and your vehicle. But do you know where you can find the best policy to protect you on all your future adventures? 

Here at Cost-U-Less, we love hitting the snow, and we’re all about protecting our fellow winter warriors with the protection they deserve at prices you’ll need to see to believe. Ready to enjoy the peace of mind that comes from knowing that a carrier has your back at every stage of the journey? Call us at (800) 390-4071 or get a fast and free snowmobile insurance quote online. You can also find a nearby office and come visit us in person! 

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